HomeInsuranceQts

Home Insurance in Fultonham, Ohio

With a median home value of $131,300, Fultonham is 28% lower than the Muskingum County median.

Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Fultonham was built around 1948. About 55% of homes were built before 1960, about 18 points above Muskingum County's 37%.

The housing stock in Fultonham is 78% single-family homes and 22% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.

In Fultonham, about 56% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.

All occupied homes in Fultonham are owner-occupied. The vacancy rate is 16%; vacant or unoccupied homes typically need a different coverage form than an owner-occupied policy.

67% of homes in Fultonham are primarily heated with natural gas.

Muskingum County had 96 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is inland flooding (Relatively Moderate). See the full Muskingum County home insurance overview for all FEMA hazard ratings and flood coverage details. Flood damage is excluded from a standard homeowners policy.

The statewide average premium for a standard HO-3 homeowners policy in Ohio is $1,116 per year, according to the NAIC homeowners insurance report (2023 data).

Key figures

Median home value$131,300
Median year built1948
Owner-occupied share100%
Share of owner-occupied homes with a mortgage56%
Top county hazardInland Flooding (Relatively Moderate)
Active NFIP policies in Muskingum County96
Home insurance premium$1,116 - statewide average (NAIC, 2023 data)
Key home insurance figures for Fultonham, OH

Nearby towns

Sources

Data last updated: 2026-09-29